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Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Jan 07, 2022

Mutual Fund Expert... more
Navtej Question by Navtej on Jan 07, 2022Hindi
Money

I am 39. I have been reading your replies on Rediff.com and getting a lot of information from them for investment in mutual funds.

I need your precious opinion on the following mutual funds in my MF portfolio.

Recently, I have started SIPs of Rs 5,000 per month in each.

Mutual Funds Plan type
Axis Banking & PSU Debt Direct Growth
Axis Bluechip Direct Growth
Axis Small Cap Direct Growth
Mirae Asset Banking And PSU Debt Direct Growth
Mirae Asset Emerging Bluechip Direct Growth
Mirae Asset Large Cap Direct Growth
Parag Parikh Conservative Hybrid Direct Growth
Parag Parikh Flexi Cap Direct Growth
SBI Blue Chip Direct Growth
SBI Nifty Next 50 Index Direct Growth
Nippon Liquid Direct Growth

Ans: These are decent funds, please continue.

Kindly try to consolidate your portfolio into 4 to 6 funds.

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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Ramalingam

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Question by ASHOK GUGGARI I am 60. I have been reading your replies on Rediff.com and getting a lot of information from them for investment in mutual funds. I need your precious opinion on the following mutual funds in my MF portfolio. Recently, I have started SIPs in SBI contra & small cap fund growth of Rs 5,000 per month in each. And iam having SIP in ICICI prudential india oprtunity and large and mid cap fund Rs 6000 in each. In icici prudential flexi fund invested Rs 13,00,000 one and half year back. Kindly advice whether to change or continue.. Ashok Guggari
Ans: Dear Ashok,

It's wonderful to hear that you've found valuable information in the responses provided. When it comes to managing your MF portfolio, it's essential to regularly review your investments to ensure they align with your financial goals and risk tolerance. Consider factors such as fund performance, investment strategy, and your own investment objectives.

Reflect on whether the funds you've chosen are still suitable for your current circumstances and long-term goals. Are they performing as expected, or are there better alternatives available? Remember, staying informed and proactive is key to optimizing your investment journey.

As you navigate your investment decisions, always keep your financial well-being at the forefront. Seeking guidance from a Certified Financial Planner can offer personalized insights tailored to your specific needs and aspirations.

Wishing you continued success on your investment journey!

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Sanjeev

Sanjeev Govila  | Answer  |Ask -

Financial Planner - Answered on Feb 06, 2024

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Hello Sir,My name is Girish aged 38 years and I have been going through your suggestions on the MF.I have started SIP in the following mutual funds.1. ICICI Prudential Bluechip Fund (G) - investing since a month - 5,000 per month 2. SBI Blue Chip Fund (G) - investing since a month - 5,000 per month 3. HDFC Balanced Advantage Fund - Direct Plan (IDCW) - investing since 14 months - 2,000 per month4. Nippon India Large Cap Fund - Regular Plan (G) - investing since 2 months - 2,000 per month 5. Parag Parikh Flexi Cap Fund - Direct Plan (G) - investing since 2 years - 2,000 per month 6. UTI MNC Fund - Direct Plan (G) - investing since 14 months - 2,000 per month I would like to know if my portfolio is good. I will be planning to invest for the next 10-15 years. What would be the corpus at the end of 15 years?Do you foresee any changes to be made in my portfolio? Please suggest.
Ans: It's great that you're investing your monthly surplus in SIPs to build your wealth.

You have a well-diversified portfolio and the funds in your portfolio are performing well in the current market scenario. In the finance planning of any portfolio, we consider many factors, including client age, risk profile, current asset allocation, etc.

All mentioned funds are performing good and have good potential in long-term. However, UTI MNC Fund - Sectoral funds focus on a specific sector or industry and it is difficult to predict which sector will perform and how long. Hence, we recommend to go for diversified funds to avoid the concentration risk
.
If you continue the monthly investment of Rs 18,000 for the next 15 years the accumulated corpus will be 89.92 lakhs approx. at the average growth rate of 12% for 15 years.
Note - the amount may get differ at that time as the actual return can be vary.

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Ramalingam

Ramalingam Kalirajan  |7097 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 05, 2024

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Hello Sir, My name is Girish aged 38 years and I need your suggestions on the MF. I have started SIP in the following mutual funds.1. ICICI Prudential Bluechip Fund (G) - investing since a month - 5,000 per month 2. SBI Blue Chip Fund (G) - investing since a month - 5,000 per month 3. HDFC Balanced Advantage Fund - Direct Plan (IDCW) - investing since 14 months - 2,000 per month4. Nippon India Large Cap Fund - Regular Plan (G) - investing since 2 months - 2,000 per month 5. Parag Parikh Flexi Cap Fund - Direct Plan (G) - investing since 2 years - 2,000 per month 6. UTI MNC Fund - Direct Plan (G) - investing since 14 months - 2,000 per month I would like to know if my portfolio is good. I will be planning to invest for the next 10-15 years. What would be the corpus at the end of 15 years?Do you foresee any changes to be made in my portfolio? Please suggest.
Ans: Your portfolio consists of a mix of large-cap, flexi-cap, balanced advantage, and sectoral funds, which provides diversification across different market segments. However, it's essential to periodically review and rebalance your portfolio to ensure it remains aligned with your long-term financial goals and risk tolerance.

Consider assessing the performance of each fund relative to its benchmark and peers. If any fund consistently underperforms or deviates significantly from its investment objective, you may consider replacing it with a better-performing alternative.

Additionally, ensure that your asset allocation reflects your risk profile and investment horizon. If you have a long-term investment horizon of 10-15 years, you may consider adding more exposure to equity funds for potentially higher returns.

As for the corpus at the end of 15 years, it would depend on various factors such as the performance of the funds, the consistency of your contributions, and market conditions. You may use online SIP calculators to estimate the potential corpus based on your ongoing SIP contributions and expected returns.

Consulting with a financial advisor can provide personalized guidance tailored to your specific circumstances and objectives.

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Ramalingam

Ramalingam Kalirajan  |7097 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 22, 2024

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[21/04, 10:11 pm] Prabu Ravichandran: Hi Experts, I am 40 years old. I am investing in mutual fund SIPs. My portfolio has following funds each 1000Rs SIP monthly. 1) Quant Infrastructure 2) Quant Mid cap 3) Quant Small cap 4) Quant Active 5) Quant Flexi cap 6) ICICI Pru Infrastructure 7) ICICI Pru Bluechip 8) ICICI Pru Bharat 22 FOF 9) Nippon India Large cap 10) Nippon India Growth 11) Nippon Small cap 12) Nippon India Multi cap 13) Nippon Power & Infra 14) Aditya Birla Sun Life PSU 15) SBI PSU 16) Invesco PSU 17) JM Large cap 18) JM Value fund 19) JM Flexi cap 20) Tata Small cap 21) HDFC Mid cap opportunities 22) Mahindra Manulife Mid cap 23) Mahindra Manulife Multi cap 24) Motilal Oswal Mid cap [21/04, 10:14 pm] Prabu Ravichandran: Am I good to continue on these funds? Do I need to add/remove any funds for a good portfolio. Please provide your thoughts.
Ans: Your portfolio appears to be heavily concentrated with multiple funds, possibly leading to overlap and excessive diversification. It's essential to streamline your investments to avoid redundancy and maintain a clear investment strategy. Consider consolidating similar funds or those with overlapping objectives. Assess the performance, risk, and alignment with your financial goals for each fund. Periodic review and adjustments are crucial to ensure your portfolio remains aligned with your objectives and risk tolerance. Consulting a financial advisor can help you optimize your portfolio and ensure a more focused investment approach.

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Radheshyam

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MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Nov 21, 2024

Asked by Anonymous - Nov 21, 2024Hindi
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Hello, I am 3 yr neet dropper.in 2025 it will be my third attempt... I'm trying my best to crack neet ...i don't know what will happen will i score good marks or not ... please help me in suggesting good career options if not crack neet .....there are many options through neet marks also like bhms , veterinary...etc. i will also give entrance exam also like cuet ,gbpuat ,....but i want that what to choose which course will be best for me ...i want to make my life good and happy... having a good degree, good job ,...
Ans: Hello.
Have you analyzed your failure in 2 successive attempts in the NEET examination? If yes, then the question is what you have done for improvement and not then again the question arises why not? Here, I would like to suggest you focus now only on the NEET examination which is your 3rd attempt. Don't think about any other options right now till May 2025. After the NEET exam is over, you have ample time to explore the options available. Depending on your score in NEET 2025, we will guide you at that time. But yet, if you are confused, then looking towards your question and anxiety, you need personal counseling where you can express yourself face-to-face. Only after the NEET exam is over, you contact a counsellor for one-to-one counseling. Till then, keep mum and focus only on NEET. Take this exam as your mission and project. Work on this project, apply forces from all sides, success is there which is waiting for you eagerly.
Best of luck for your bright future.

Some tips: (1) Analyse separately Phy, Che, Bio (2) Prepare a list of hard topics (3) First focus more on the topics which are easy for you and then try to excel in hard topics (4) Appear more and more online/offline examinations (4) Prepare your short-cut file for all subjects (5) Prepare a file for each subject having only synopsis of all chapters (6) Try to solve the problems at the lightening speed and observe the period on regular basis (7) Create your time table to revise the topics on regular basis (8) Do not hesitate to ask your difficulties to your teachers, if you have joined to offline classes (9) Keep the habit of marking the answers which you know 100%. Don't guess the answers and mark them, as there is -ve marking scheme. (10) Be calm, quite, and smiling all the time to release the tension and always have a healthy chat with your friends.

If satisfied, please like and follow me.
If dissatisfied with the reply, please ask again without hesitation.
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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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